If you’ve spotted “Dynamic Collectors” on your credit report, there’s a good chance a past-due debt has landed in collections. These accounts can drag down your credit score and stay on your report for up to seven years. Here’s what you need to know—and how to remove them.
Who Is Dynamic Collectors?
Dynamic Collectors, Inc. is a debt collection agency based in Chehalis, Washington. They collect past-due balances on behalf of original creditors, which means they don’t own the debt—they just manage it.
If you’ve missed payments on certain bills, the original creditor may have hired Dynamic Collectors to recover the money. That’s when the account shows up on your credit report.
What Types of Debt Does Dynamic Collectors Handle?
Dynamic Collectors works with a wide range of creditors. Here are some of the common types of debt they collect:
- Medical and dental bills: Unpaid charges from healthcare providers
- Credit cards and personal loans: Delinquent balances from banks and financial institutions
- Government debt: Court fines, tickets, and promissory notes
- Property-related debt: Unpaid rent or fees owed to landlords and property managers
- Utility bills: Past-due electric, gas, water, and other utility charges
- NSF payments: Bounced checks or insufficient funds charges
Is Dynamic Collectors a Legitimate Company?
Yes, Dynamic Collectors, Inc. is a real, licensed debt collection agency. They are legally authorized to collect debts in many states. That said, always verify any debt before making a payment—errors do happen.
How to Remove Dynamic Collectors From Your Credit Report
Even though collection accounts can stay on your credit report for up to seven years, there are ways to remove them early. Here are your main options:
1. Dispute Any Errors
Start by requesting a copy of your credit report from all three credit bureaus—Equifax, Experian, and TransUnion. Look closely at the Dynamic Collectors entry:
- Is the balance wrong?
- Does the account belong to you?
- Has the debt already been paid?
If anything looks incorrect, file a dispute with the credit bureau(s) reporting the error. Under the Fair Credit Reporting Act (FCRA), they must investigate and correct any inaccurate information.
2. Request Debt Validation
You have the right to ask Dynamic Collectors to prove that the debt is yours. This is called a debt validation letter. Send the letter in writing within 30 days of their initial contact. They must provide documentation showing:
- The original creditor
- The amount owed
- That you’re the person responsible for the debt
If they can’t validate it, they’re required to remove the account from your credit report.
3. Negotiate a Pay-for-Delete Agreement
If the debt is valid, and you can afford to pay it, consider offering a pay-for-delete deal. This means you agree to pay the debt—either in full or for a reduced amount—in exchange for having the account removed from your credit report.
Important: Get this agreement in writing before sending any money.
4. Get Help From a Credit Repair Company
If you’re not sure where to start or the process feels overwhelming, credit repair professionals can help. They know how to dispute inaccurate information, negotiate with collectors, and get results faster.
Many people have successfully removed Dynamic Collectors and other collection agencies from their reports with help from professionals.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Dynamic Collectors?
Not so fast. Before reaching out or making a payment:
- Confirm the debt is valid: Request debt validation first.
- Check the reporting date: Making a payment could restart the statute of limitations in some states.
- Know your rights: Collection agencies must follow the Fair Debt Collection Practices Act (FDCPA), which protects you from harassment or false statements.
In some cases, contacting a credit repair company first can help you avoid common missteps that might hurt your score or open you up to legal issues.
Can Dynamic Collectors Sue or Garnish Wages?
Yes, they can—but it’s not usually the first step. Collection agencies prefer to recover money without going to court. That said, if they sue and win a judgment against you, they could:
- Garnish your wages
- Place a lien on your property
- Seize funds from your bank account (in certain states)
If you’ve received legal threats or a court summons, talk to an attorney immediately.
Dynamic Collectors Contact Information
If you do decide to contact them (after verifying the debt), here’s where to reach them:
Dynamic Collectors, Inc.
790 S Market Blvd
Chehalis, WA 98532-3420
Phone: (360) 748-0420 or (800) 464-3457
Common Complaints About Dynamic Collectors
Like many collection agencies, Dynamic Collectors has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints involve:
- Incorrect information on credit reports
- Harassment or repeated calls
- Failure to validate the debt
If you feel your rights have been violated, you can file a complaint with the CFPB or your state’s attorney general’s office.
Your Legal Rights With Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you strong protections when dealing with companies like Dynamic Collectors:
- You can dispute inaccurate information on your credit report.
- You have the right to request debt validation.
- Collectors can’t harass or threaten you, use foul language, or call you repeatedly.
- They must be transparent about who they are and why they’re contacting you.
- They cannot claim you’ll be arrested or imprisoned over unpaid debt.
Need Help Removing Dynamic Collectors?
If you’re ready to take the next step in fixing your credit, getting professional help can make a real difference.
Credit Saint is a trusted credit repair service that helps clients challenge inaccurate accounts, negotiate removals, and improve their credit reports. They’ve helped thousands—and offer a 90-day money-back guarantee if you’re not satisfied.
You can call them at (855) 281-1510 or visit their website to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
